Cornmarket Car Insurance Scheme - Motor Insurance - Prismic

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Cornmarket Car Insurance Scheme - Motor Insurance - Prismic
Cornmarket
Car Insurance
Scheme

   Motor Insurance
Cornmarket Car Insurance Scheme

Contents
Important: Cover will only apply in respect of those sections which you have selected

Page
2                 Introduction - Your Policy
3                 Definitions
4                 Territorial Limits
6                 General Policy Conditions

Section 1
12                Third Party Insurance
12                Exceptions to section 1

Section 2
14                Loss or damage to your car by fire or theft
14                Excess applicable

Section 3
15                Accidental damage to your car
15                Excesses applicable
16                Exceptions to sections 2 and 3

Section 4
18                Standard benefits
21                Policy endorsements
27                General exceptions
30                Claims procedure
30                Claims payment
33                Allianz Claims Notification and Emergency Service
34                Consumer Information
Cornmarket Car Insurance Scheme

    Introduction - Your Policy
    This document, in conjunction with your     Insurance Act 1936 (or future
    Statement of Fact or the Proposal Form      amendments thereto)
    which you have signed, your schedule        All monies which become or may
    and endorsements form the basis of          become payable by the company under
    your contract with us and your policy has   this policy shall, in accordance with
    been set up based on the information        Section 93 of the Insurance Act 1936, be
    you have provided.                          payable and paid in the Republic of
                                                Ireland.
    We will provide the insurance described
    in this policy if:                          Finance Act 1999 (or future
                                                amendments thereto)
    1. The information detailed on your         The appropriate stamp duty has been or
       Statement of Fact or your Proposal       shall be paid in accordance with the
       Form is correct and complete, to the     provisions of Section 5 of the Stamp
       best of your knowledge                   Duties Consolidation Act 1999.

    2. Any person insured has complied          The Law Applicable to the Contract
       with all terms, conditions, exceptions   Under the relevant European and Irish
       and general exceptions of this policy    legal provisions the parties to the
                                                proposed contract of insurance (we,
                                                Allianz p.l.c. and you, the proposer)
    Please refer to the section headed
                                                are free to choose the law applicable to
    ‘General Policy Conditions’ on page 6 in
                                                the contract.
    this policy for additional important
    information on this.
                                                We propose that Irish Law applies to
                                                the contract.
    Your Policy is made up of the following
    documents
    1. Your Statement of Fact or your
       Proposal Form
    2. Your schedule
                                                Signed of behalf of the company
    3. This policy document
    4. Any endorsement which we may             Aidan Hanratty
       issue to you                             Director Underwriting

    You should fully read these documents       This policy is underwritten by Allianz p.l.c.
    and contact us if any information is not    Registered Office: Allianz House,
    correct, or if you have any queries.        Elmpark, Merrion Road, Dublin 4

    This policy is a legal document and
    should be kept in a safe place.

2
Cornmarket Car Insurance Scheme

Definitions
Audio Equipment - means audio,                Period of Insurance - The period of this
telephone, navigational, global               contract of insurance as specified on
positioning equipment and/or in-car           your schedule/renewal notice.
entertainment.
                                              Policy - means the contract of insurance
Car - means any motor vehicle, the            based on the statement of fact/proposal
details of which are shown on the             form, schedule, policy document and
schedule and/or covered on the                any endorsements we may issue.
certificate of motor insurance.
                                              Schedule - means a document which
Certificate of Motor Insurance - means        details the cover provided by the policy,
a document that provides evidence that        endorsements operative and your
you have motor insurance cover as             details. This document forms part of
required by law.                              your policy.

Endorsement - means an alteration to          Spouse/Partner - means husband, wife
the terms, conditions, exceptions and         or partner of the Insured who are co-
general exceptions of the policy. An          habiting and sharing household
endorsement may be part of the policy         expenses or responsibilities.
or we may issue it separately.
                                              Vehicle Write-Off - means where the car
Excess - means the first amount of any        is considered to be either a statutory or
loss that you are responsible for in the      financial write-off by a suitably qualified
event of making a claim. This amount is       assessor.
deducted from the total claim
settlement figure.                            A statutory write-off means that the car
                                              is no longer fit to return to the road and
Market Value - means the amount you           should be either destroyed or rendered
could reasonably expect to pay for your       for parts.
car had you bought it immediately prior
to the loss or damage. This will be           A financial write-off means that the car
determined by other cars available in the     can be repaired to a safe condition but
market of comparative make, model,            the cost of repairs renders it
engine capacity, age, mileage, ownership      uneconomical to do so.
history, general conditions and any other
relevant factors. We may use an               We/Us/Our/the Company - means
independent specialist firm to determine      Allianz p.l.c.
the appropriate monetary value.
                                              You/Your - means the person named as
Misrepresentation - means where an            the Insured or Policyholder in the
individual fails to disclose information or   schedule and certificate of motor
provides false inaccurate, misleading or      insurance.
incomplete information.

                                                                                            3
Cornmarket Car Insurance Scheme

    Territorial Limits
    This insurance shall operate in terms of this policy in respect of private cars in the
    following countries: Republic of Ireland, Northern Ireland, Great Britain, The Isle of
    Man and the Channel Islands.

    Your policy is automatically extended to cover you to travel to or in any European
    country and any other country which has made arrangements to meet the minimum
    insurance requirements set by the European Union, for up to 60 days in any period of
    insurance.

    The insurance also operates during the course of Sea Transit, Channel Tunnel
    Transport or Rail Transport (including loading and unloading).

    We will also provide the minimum legal insurance required by law to use the car in
    any other country which has made arrangements to meet the minimum insurance
    requirements set by the European Union.

    Cover

    Your schedule shows the cover you have selected

       If your cover is:                           You have the benefit of

       Comprehensive                               The entire policy

       Third party, Fire and Theft                 The entire policy, excluding
                                                   Section 3

       Third Party                                 The entire policy, excluding
                                                   Sections 2 and 3

    Person(s) Insured:

    1. You
    2. Any person permitted to drive as stated in the certificate of motor insurance
       except a person in the motor trade driving the car for the purposes necessitated by
       its overhaul, upkeep and / or repair for you
    3. Any person using (but not driving) your car with your permission for social,
       domestic and pleasure purposes

4
Cornmarket Car Insurance Scheme

Territorial Limits (Continued)
4. Any passenger travelling in or getting into or out of your car
5. You or your spouse/partner’s employer or business partner if stated in the
   certificate of motor insurance provided the car is not owned, leased or hired by
   the employer or business partner
6. The legal personal representative of any of the above person(s) (following the
   person’s death) but only in respect of the deceased’s liability

                                                                                      5
Cornmarket Car Insurance Scheme

    General Policy Conditions
    Paying Your Premium                         Duty of Disclosure of Material Facts

    We will provide the cover you have          A material fact is anything which affects
    selected, as shown on your schedule, in     this insurance.
    return for your annual renewal premium
    or any additional premium which             Duty of disclosure of a material fact
    becomes due.                                exists at inception and continues
                                                throughout the life of the policy and you
                                                are under a continuing obligation to tell
    Premium Paid in Full                        us immediately about any change which
                                                could affect your policy. You must also
    If you decide to pay your annual renewal    have asked all the other drivers covered
    premium in full, you must ensure that       by this insurance any relevant questions
    we receive the payment on or before         to obtain the information about them
    your renewal date.                          requested by us.

                                                If you are in any doubt as to whether a
    Paying Your Premium by Monthly              fact is material or not, you should
    Direct Debit                                contact us for clarification.

    If you are paying your premium by           You must tell us if:
    instalments you must keep your
    payments up to date. If you fail to do so   1. You change your car
    we or Cornmarket Group Financial            2. You buy or take ownership of
    Services Limited (Cornmarket) may              another car
    withdraw this option, request payment
                                                3. The main driver of your car changes
    in full or cancel your policy. Refer to
    your Direct Debit Guarantee for full        4. You wish to cover an additional driver
    terms and conditions.                       5. You require cover on a temporary
                                                   car, other than as shown in your
    In the event of a claim in the current         certificate of motor insurance
    period of insurance, the full annual            Note: You must tell us if you are the
    premium becomes due. We reserve                 owner of the temporary car
    the right to deduct any outstanding
                                                6. The car has been modified or altered
    premium from any claim payment we
                                                   in any way from the manufacturer’s
    may make to you or request that you
                                                   specification. This would include but
    first pay the premium in full before
                                                   is not limited to changes to the
    any settlement is made in respect of
                                                   engine, exhaust, suspension, the
    a claim.
                                                   addition of body parts/body kit,
                                                   wheels and specialised paintwork

6
Cornmarket Car Insurance Scheme

General Policy Conditions (Continued)
7. You change your address or where          This is not a full list and if you are in any
   the car is kept overnight                 doubt, you should contact us.
8. There is a change of use of the car
                                             When you tell us about the change, it
9. You or any other person insured
                                             may result in a change to the policy
   change occupation – full and
                                             conditions and premium.
   part time
10. You intend to travel to any country      If you or anyone acting on your behalf:
    not referred to in the territorial
    limits, or if your intended period of    • Fails to disclose a fact that is likely to
    travel exceeds 60 days
                                               influence Allianz in our assessment
11. You or any other person insured            or acceptance of your proposal,
    change their type of driving licence       renewal or any alteration to
    and/or pass their driving test
                                               your policy
12. There is a change in the health of or
    the diagnosis of a condition of you      • Knowingly makes a false statement
    or any other person insured which is       to us
    notifiable to the National Driver        • Knowingly sends us false or
    Licence Service (NDLS). We may             fraudulent documents
    require confirmation that you or any
    other person insured is fit to drive     • Obtains cover by any
    from a General Practitioner or the         misrepresentation or misdescription
    NDLS
                                             We may take one or more of the
13. You or any other person insured
                                             following actions:
    have been involved in a motor
    accident or claim
                                             • Declare your policy void from the
14. You or any other person insured has
                                               inception date. In other words, the
    any motor prosecution pending,
    been convicted of a motor offence          policy will be treated as if it never
    (other than convictions which are          existed
    spent under the Criminal Justice         • Invoke the cancellation clause of this
    (Spent Convictions and Certain             policy
    Disclosures) Act 2016), been
                                             • Cancel your policy from the date of
    disqualified from driving or had fixed
    penalty points applied                     the misrepresentation
15. You or any other person insured has      • Not return any premium to you
    been convicted of a non-motoring         • Apply terms and conditions to your
    offence (other than convictions            policy or restrict cover
    which are spent under the Criminal
    Justice (Spent Convictions and           • Apply a policy loading or recalculate
    Certain Disclosures) Act 2016) or if       your premium which will result in an
    there is any prosecution pending           additional premium due to us

                                                                                             7
Cornmarket Car Insurance Scheme

    General Policy Conditions (Continued)
    • Delete a driver or a car which was the     • Cancel the policy from the date on
      subject of the misrepresentation             which the fraud was identified
    • Refuse to pay a claim                      • Cancel the policy with immediate
    • Recover from you the total amount of         effect
      any claim already paid under that          • Not return any premium to you
      policy including any recovery costs        • Recover from you the total amount of
    • Inform the appropriate law                   any claim already paid under that
      enforcement authorities of the               policy including any recovery costs
      circumstances                              • Inform the appropriate law
                                                   enforcement authorities of the
    This is in addition to any other rights we     circumstances
    have, as outlined in the policy.
                                                 If we take any of the above actions you
                                                 will also lose all rights to pursue the
    Claims Fraud                                 claim.
    If you or any other person insured:
                                                 Driving Licences
    • Make a claim which is in any way
      false, inflated, exaggerated, or           The conditions of a driving licence must
      fraudulent                                 be obeyed by you or any other person
    • Support a claim with false or              insured. This includes conditions in
      fraudulent documentation                   relation to the class of vehicle licenced
                                                 to drive, the requirement to be
    • Provide a fraudulent verbal or written     accompanied by a qualified driver (if you
      statement                                  or any other person insured hold a
    • Mispresent or deliberately fail to         learner permit/provisional licence), and
      disclose relevant information              any other condition or restriction that
                                                 may apply.
    We may take one or more of the
                                                 If you or any other person insured fail to
    following actions:
                                                 obey the conditions of your driving
                                                 licence, we may:
    • Declare the policy void from the
      inception date. In other words, the
                                                 • Declare your policy void from the
      policy will be treated as if it never
                                                   inception date. In other words, the
      existed
                                                   policy will be treated as if it never
    • Invoke the cancellation clause of            existed
      this policy

8
Cornmarket Car Insurance Scheme

General Policy Conditions (Continued)
• Invoke the cancellation clause of         Deferment Clause - Motoring Offences
  this policy
                                            If you or any other person insured are
• Apply terms and conditions to your
                                            convicted of a motoring offence prior to
  policy or restrict cover                  the renewal of your policy, it may not
• Delete a driver who has failed to obey    have been reflected when calculating
  the conditions of their driving licence   the renewal terms and premium. If this
  from the inception date. In other         happens, we may choose to treat the
  words, no cover will have been            offence as if it happened during the
  provided for that driver                  period of insurance which is shown on
                                            the renewal schedule.
• Refuse to pay a claim
• Recover from you the total amount of
  any claim already paid under the          Deferment Clause - Claims
  policy including any recovery costs,
  where it comes to light the driver at     If a claim is made prior to the renewal of
  the time of the incident, did not obey    your policy, this may not be reflected in
  the conditions of their driving licence   our offer for you to renew cover. If this
                                            happens, you can ask us to change our
                                            offer of renewal, or wait until the
Other Insurance                             following renewal date for that claim to
                                            be taken into account.
If any loss or damage is covered by any
other insurance, we will not pay more
than our share of the claim. This does      Looking After Your Car
not override the references to other
insurances (Exceptions to Section 1).       You must take all reasonable care to:

                                            1. Safeguard your car from loss or
Rights of Recovery                             damage and prevent injuries
                                            2. Maintain your car in a roadworthy
If the law requires us to pay a claim          condition, make sure that lights,
which would not otherwise be covered           mirrors and braking systems are
by your policy, we reserve the right to        working correctly and, where
recover the amount from you or the             necessary, make sure that the car
person on whose behalf we make the             has a valid National Car Test (NCT)
payment.                                       certificate
                                            3. Fit tyres appropriate to the car, and
                                               make sure that tread depths comply
                                               to the legal limit

                                                                                         9
Cornmarket Car Insurance Scheme

     General Policy Conditions (Continued)
     4. Make sure you do not leave your           policy and we are entitled to keep the
        ignition keys or any device of similar    premium.
        function in the car while unattended
        or leave your car unlocked                Regardless of which party cancels the
     5. Make sure that the car is not             policy, if there has been a claim during
        accessible to any driver who is not       the period of insurance we will return
        insured to drive the car or who does      no premium.
        not hold a valid driving licence or       If we or Cornmarket has agreed to
        having held such a licence is not         accept payment of premium for this
        disqualified from holding one             policy by monthly direct debit payments
                                                  then in the event of non-payment of any
                                                  monthly payment on its due date, then
     If you do not do so, we reserve the right
                                                  we or Cornmarket can cancel this policy.
     not to pay a claim or if, by law, we are
                                                  We or Cornmarket will do this by giving
     obliged to meet a claim then we reserve
                                                  written notice to your last known postal
     the right to seek recovery of the
                                                  address and following expiry of this
     payment from you.
                                                  notice, the policy will be automatically
                                                  cancelled. We or Cornmarket will be
     The company must have free access to
                                                  entitled to payment of the premium due
     examine the car at all times.
                                                  for the period of insurance and if there
                                                  is a claim during the current period of
                                                  insurance we or Cornmarket will be
     Cancelling Your Policy
                                                  entitled to the full premium.
     You may cancel the policy at any time by
     written notice to us or Cornmarket and
                                                  Suspending Your Policy
     you must return the certificate of motor
     insurance and insurance disc. Your
                                                  You may suspend your cover, by
     policy will only be cancelled on receipt
                                                  returning the certificate of motor
     of these documents.
                                                  insurance and Insurance Disc to us or
                                                  Cornmarket together with written
     We may cancel the policy at any time by
                                                  confirmation that you wish to do so.
     issuing a written notice to you at your
     last known address.
                                                  We will allow a refund of 80% of the
                                                  premium for the period the policy is
     If there has been no claim or incident
                                                  suspended provided:
     that may result in a claim during the
     current period of insurance, we will
                                                  1. Your policy is suspended for a
     refund part of your premium for any
                                                     minimum of 28 consecutive days
     remaining period of insurance unless
     the reason for cancellation is as detailed   2. You did not make a claim during the
     in the General Policy Conditions of this        current period of insurance

10
Cornmarket Car Insurance Scheme

General Policy Conditions (Continued)
3. Your policy is not suspended as a         decision of the Umpire and the making
    result of an accident or loss            of an award shall be a condition
4. Your policy is not issued or renewed      precedent to any right of action against
   for less than 12 months                   us. Claims not referred to the Arbitrator
                                             within twelve calendar months from the
                                             date on which we have refused to
If you pay your premium by monthly
                                             provide cover shall be deemed to have
direct debit you must continue your
                                             been abandoned.
payments during any period of
suspension.
                                             You may not take legal action against us
                                             over the dispute before the Arbitrator
                                             has reached a decision.
Arbitration
                                             This does not affect your right to refer
All differences arising out of this policy
                                             any claim to the office of the Financial
shall be referred to the decision of an
                                             Services Ombudsman.
Arbitrator, or if the parties cannot agree
upon a single Arbitrator, to the decision
of two Arbitrators, one to be appointed
                                             Preferred Customer Discount
by each of the parties within one month
                                             Based on statistical analysis of your risk
after having been requested. The
                                             information, you may be entitled to a
Arbitrators shall appoint an Umpire who
                                             Preferred Customer Discount. Changes
will sit with the Arbitrator at their
                                             to your risk information may affect your
meeting and in case of disagreement,
                                             entitlement to this discount.
the Arbitrators shall submit to the

                                                                                          11
Cornmarket Car Insurance Scheme

     Section 1
     Third Party Insurance                      1. Solicitor’s fees for representation at a
                                                   coroner’s inquest or fatal injury or in
     We will pay if you or any other person        a Court of Summary Jurisdiction
     insured becomes legally liable for         2. The cost of defence against a charge
     damages in respect of:                        of manslaughter or causing death or
                                                   serious bodily injury by dangerous
     • death or bodily injury or disease to        driving
       any person                               3. Other costs and expenses which are
     • damage to property                          legally recoverable

     arising from the use of:
                                                Emergency Treatment
     • your car as specified in the current
       certificate of motor insurance           We will pay for emergency treatment
                                                charges as required by road traffic
     • a trailer or caravan whilst coupled to
                                                legislation. A payment made for
       your car as specified in the current     emergency treatments will not affect
       certificate of motor insurance, but      your No Claim Bonus.
       excluding any mobile home or
       permanently sited temporary
       dwelling                                 Exceptions to Section 1

     The maximum we will pay for property       Other than what is necessary to meet
     damage will be limited to €30 million in   the requirements of the road traffic
     respect of any claim or number of claims   legislation, the company shall not be
     arising out of any one accident and/or     liable for:
     incident.
                                                1. Damage to property belonging to, or
                                                   held in trust by, or in the custody or
     Costs and Expenses                            control of the Person(s) Insured
                                                2. Damage to property stored in or
     We will pay for reasonable costs and          being conveyed by the car
     expenses recoverable by any claimant in
                                                3. Damage to any car being driven or
     respect of any claim for which indemnity
                                                   used by the person(s) insured
     is provided by this section.
                                                4. Damage or injury caused by any
     Subject to prior written agreement by         person who is insured to drive your
     us, we will pay for:                          car under another motor insurance
                                                   policy

12
Cornmarket Car Insurance Scheme

Section 1 (Continued)
5. Death or bodily injury to any person
   arising out of or in the course of
   their employment
6. Death or bodily injury to anyone who
   is driving, or is in charge for the
   purpose of driving the car

Also see General Exceptions applicable
to this policy on page 27.

Rights of Recovery

If any law requires us to pay a claim
which would not otherwise be covered
by your policy, we reserve the right to
recover the amount from you or the
person on whose behalf we made the
payment.

                                          13
Cornmarket Car Insurance Scheme

     Section 2
     Loss or damage to your car by fire            In the event of a claim for the theft of a
     or theft                                      car, we will request all the keys or any
                                                   device of similar function of the car from
     We will pay for loss of or damage to          the registered owner. Failure to provide
     your car and its accessories or spare         the keys may have an impact on any
     parts caused by fire, lightning, explosion,   claim you make under this section of
     theft or attempted theft.                     the policy

     The maximum amount we will pay in
     respect of any claim for loss or              Excess Applicable
     accidental damage will be the market
     value immediately prior to such loss or       You will be responsible for the amount
     damage.                                       of the excess stated in the schedule
                                                   whether or not you are at fault for the
     We will pay for the cost of replacing         loss or damage.
     accessories, spare parts or audio
     equipment which form part of the
     manufacturer’s specification for your         Customs Duty
     car. Where accessories, spare parts or
     audio equipment do not form part of           If your car is lost or damaged within the
     the manufacturer’s specification, we          territorial limits and you are charged
     will only pay for the cost of replacing       customs duty, we will also refund the
     these items if you have notified the          customs duty if we cover the loss or
     change to us and we have agreed to            damage to your car.
     provide cover.

     Your car must be missing for 14 days
     after we have been notified before we
     will consider it lost by theft.

14
Cornmarket Car Insurance Scheme

Section 3
Accidental damage to your car                     Excess applicable

We will pay for loss of or accidental             You will be responsible for the amount
damage to the insured car (including              of the excess stated in the schedule
panoramic roof glass) and its accessories         whether or not you are at fault for the
and spare parts while in or on the car            loss or damage. This amount is
other than loss or damage described in            increased by €125 where you hold a
Section 2.                                        Learner Permit/Provisional Licence

The maximum amount we will pay in
                                                  Customs Duty
respect of any claim for loss or accidental
damage will be the market value
                                                  If your car is lost or damaged within the
immediately prior to such loss or damage.
                                                  territorial limits and you are charged
                                                  customs duty, we will also refund the
Where accessories, spare parts or audio
                                                  customs duty if we cover the loss or
equipment are other than as provided
                                                  damage to your car.
for in the manufacturer’s specification for
your car, we will only pay for the cost of
replacing manufacturer’s standard items
unless you have notified the change to
us and we have agreed to provide cover.

Additional driver excess amounts

In addition to the amount of the excess stated in the schedule, you will be responsible
for an additional excess, outlined in the table below, for each and every claim under
this Section whether or not you are at fault for the loss or damage.

 Age of Additional Driver         Licence Type                         Additional Excess
                                                                       applicable
 17 to 24                         Full Licence/ Learner Permit/        €200
                                  Provisional Licence
 aged 25 and over                 Full Licence/Provisional             €125
                                  Licence for a period of less
                                  than 12 months

Exception: If loss or damage results from an incident involving an uninsured third party
driver and the circumstances are such that we decide that the driver or person in charge
of the insured car was not at fault, then an excess will not apply to your claim. However, if
we cannot establish this before paying the claim, the excess will apply. If we subsequently
confirm that an uninsured third party driver was involved, we will reimburse the excess.

                                                                                                15
Cornmarket Car Insurance Scheme

     Exceptions to Sections 2 and 3
     We will not pay for:                          11. Loss or accidental damage arising
                                                       from:
     1.   Losses you sustain through not               a. theft or any attempted theft
          being able to use your car                      whilst the ignition keys or any
     2.   The cost of hiring another car                  device of similar function have
     3.   Depreciation                                    been left in or on your car
     4.   Wear and tear                                b. loss or accidental damage arising
                                                          from theft or any attempted
     5.   Repairs or replacements which
                                                          theft whilst the car is not locked
          improve your car beyond its
          condition before loss or damage          12. Theft and /or unauthorised taking of
                                                       the insured car by any member of
     6.   Mechanical, electrical or electronic
                                                       the Insured’s family unless such
          breakdowns, failures or
                                                       theft has been reported to An Garda
          malfunctions
                                                       Síochána/Police and they have
     7.   Damage to tyres caused by applying           indicated there is a prosecution
          the brakes, road punctures, cuts or          pending
          bursts
                                                   13. Any modifications unless they form
     8.   Loss of or accidental damage to              part of the manufacturer’s standard
          accessories or spare parts which are         specification or are optional extras
          mobile, portable or removable items          that we have agreed to cover
          of equipment while the car is
                                                   14. Broken glass in the windscreen,
          unattended unless the items have
                                                       windows or sunroof of your car, or
          been placed in the locked boot or
                                                       any scratching of bodywork
          closed compartment of the car and
                                                       resulting directly from such
          the car is locked. This exclusion does
                                                       breakage where such damage is the
          not apply in respect of child seat(s).
                                                       only damage caused
          The maximum we will pay in
          respect of loss or accidental damage     15. We will not pay for loss or
          to a child seat(s) is €500 for any one       accidental damage arising out of an
          occurrence                                   accident if you or any other person
                                                       insured has been convicted or has a
     9.   Loss or accidental damage resulting
                                                       pending conviction for breath, blood
          from any use of your car not
                                                       or urine alcohol / drug levels above
          permitted by the current certificate
                                                       the legal limit in the road traffic
          of motor insurance or by any
                                                       legislation whilst driving or in the
          uninsured driver
                                                       custody or control of your car
     10. Loss or damage as a result of the car
         being filled with incorrect fuel type /
         lubricant.

16
Cornmarket Car Insurance Scheme

Exceptions to Sections 2 and 3 (Continued)
16. We will not pay for:
     a. The cost of importing parts or
        accessories from outside the
        European Union
     b. The additional cost of parts or
        accessories over and above the
        price indicated in the most
        recent manufacturer’s European
        list price where such parts or
        accessories are unobtainable or
        are out of stock
     c. Any additional cost over and
        above the repair costs incurred in
        the Republic of Ireland

Also see General Exceptions applicable
to this policy on page 27.

                                             17
Cornmarket Car Insurance Scheme

     Section 4

     Standard Benefits                                  options which are defined within the
                                                        endorsements section of this policy.
     1. No Claim Bonus
                                                        Note: If your NCB has been reduced as a
     Every year you earn a No Claim Bonus               result of a claim which is subsequently
     (NCB) you will receive a discount off              settled at nil, we will reinstate your bonus
     your annual insurance premium (subject             and refund the difference in premium.
     to our maximum).
                                                        The table below shows how your NCB
     If an incident occurs during the period of         would change at renewal and what
     insurance which results in a claim, your           effect a claim would have if you have not
     NCB will reduce, unless you have availed           availed of our No Claim Bonus Protection
     of one of our No Claim Bonus Protection            option:

                                       Years NCB at next renewal if a claim is made in the
          Years of                                current period of insurance:
           NCB at
          your last
          renewal                 If one claim is made                   If one claim is made of
            date                      up to €10,000                         €10,001 or greater

             1                             Nil                                    Nil

             2                             Nil                                    Nil

             3                             Nil                                    Nil

             4                              1                                     Nil

         5 or more                          2                                      1

     Any claim payment for windscreen, theft or fire damage will be paid without impact
     on your No Claim Bonus entitlement.

     In the event a claim(s) is made under your policy Allianz reserve the right to increase
     premiums or change your terms and conditions.

18
Cornmarket Car Insurance Scheme

Section 4 (Continued)
2. Temporary Substitutions                      driver or passengers from the car using
                                                cutting equipment.
Sections 1, 2 and 3 of this policy are
operative in respect of:                        We will not pay any costs associated with
                                                road closure, traffic management or any
                                                type of clean up of the accident scene or
Any private car (excluding cars used for
                                                restitution to property. The maximum
Hire or Reward) up to 2000cc loaned to          we will pay is €1,000.
the Insured for up to seven days by a
garage, motor engineer or vehicle
repairer while the car described on your        5. Replacement Locks, Car Keys, Key
policy schedule is being serviced or            Cards and Lock Transmitters
repaired or having an NCT.
                                                We will pay up to a maximum of €750
                                                towards the cost of replacing and or
3. Car Sharing                                  recoding of locks, keys or similar devices
                                                for your car if they are stolen:
When your car is being used for social,
domestic or pleasure purposes to carry          1.   From your permanent or temporary
passengers and you receive contributions             residence as a result of forcible
for this, we will not consider it to be using        entry or exit.
your car for hire or reward provided:           2.   Arising out of an assault or threat of
                                                     violence on any authorised key
a.   the car is not constructed or                   holder.
     adapted to carry more than eight
     passengers (excluding the driver)
                                                We will not pay:
b.   the passengers are not being carried
     for hire or reward purposes                1.   If keys are stolen by deception
c.   the total payments you receive for a            or fraud
     journey do not involve an element          2.   If stolen by a member of your family
     of profit                                       or visitor
                                                3.   If your temporary residence is a
                                                     hotel or guesthouse and the loss is
4. Fire Brigade Charges
                                                     not reported to the manager or
                                                     owner
Provided the fire gives rise to a valid
claim under your policy, we will pay for        4.   Any loss where the theft is not
charges made by a Fire Authority under               reported to An Garda
the Fire Services Act 1981 to control or             Síochána/Police
put out a fire in your car or remove the

                                                                                              19
Cornmarket Car Insurance Scheme

     Section 4 (Continued)
     5.   The additional cost of importing
          any part from outside of the
          European Union
     6.   Any loss where the keys are
          recovered before locks or similar
          devices are replaced or re-coded

     A claim under Benefits 5 and 6 will be
     paid without deduction of excess or
     impacting on your No Claim Bonus.

20
Cornmarket Car Insurance Scheme

Policy Endorsements
The following endorsements apply ONLY         1.   The car does not belong to you,
if the endorsement number is shown in              your spouse/partner or your
the schedule and are otherwise subject             employer
to the terms, conditions, exceptions and      2.   The car is not hired or leased to
general exceptions of your policy.                 either of the parties described above
                                                   under a hire purchase or leasing
                                                   agreement
Endorsement No 3 – Windscreen Cover
                                              3.   The car is not the property of or in
                                                   the custody or control of a motor
Paragraph No 14 of Exceptions to
                                                   trade business of which you are a
Sections 2 and 3 is deleted. We will pay
                                                   director, member or employee
for repair or replacement of glass in the
windscreen, windows and sunroof of            4.   The car is a private passenger
your car (except panoramic roof glass)             vehicle. Cover does not extend to:
including any scratching of the bodywork           • Vans or car-vans
directly resulting from such breakage.             • Commercial vehicles (e.g. vans
Where the claim is processed through                  or jeeps with no seats in the back
our Aligned Windscreen Repair network                 or vans adapted to carry
no limit applies.                                     passengers except in the case of
                                                      vehicles professionally modified
Where the claim is not processed                      for drivers or passengers with
through our Aligned Windscreen Repair                 a disability)
network, the amount we will pay is                 • Cars registered outside the
limited to €300.                                      Republic of Ireland, Northern
                                                      Ireland, Great Britain, the Isle of
A claim payment under this Section of                 Man and the Channel Islands
the policy will be without application of          • Cars with a capacity of more
excess or impact on your NCB and will be              than seven passengers including
without regard to the age of the person in            the driver
charge of your car at the time of damage.          • Cars with engine capacity of
                                                      more than 3500cc
We reserve the right to increase premiums          • Cars with a value of more than
or change the terms and conditions of                 €50,000
your policy or withdraw this benefit in the   5.   The car has a valid NCT certificate
event of a poor claims experience.                 and is compliant with road traffic
                                                   legislation
                                              6.   You have the owners permission to
Endorsement No 4A – Driving Other                  drive the car and you have not been
Cars – Comprehensive Cover                         and will not be using it for more
                                                   than 30 days
We will provide cover as outlined in
                                              7.   Your car has not been sold or
Sections 1, 2 and 3 whilst you are driving
                                                   disposed of
another private car, provided:

                                                                                            21
Cornmarket Car Insurance Scheme

     Policy Endorsements (Continued)
     8.   Your car has not been declared a               under a hire purchase or leasing
          vehicle write-off                              agreement
     9.   You are not insured to drive the car      3.   The car is not the property of or in
          under a separate policy of motor               the custody or control of a motor
          insurance                                      trade business of which you are a
                                                         director, member or employee
     Cover under this endorsement is limited        4.   The car is a private passenger
     to use within Ireland and the United                vehicle. Cover does not extend to:
     Kingdom only.                                       • Vans or car-vans
                                                         • Commercial vehicles (e.g. vans
     If you fail to adhere to the provisions 1 to          or jeeps with no seats in the back
     9 listed above, we may:                               or vans adapted to carry
                                                           passengers except in the case of
     •    Remove this benefit from your                    vehicles professionally modified
          policy                                           for drivers or passengers with
     •    Invoke the cancellation clause of                a disability)
          this policy                                    • Cars registered outside the
     •    Not return any premium to you                    Republic of Ireland, Northern
                                                           Ireland, Great Britain, the Isle of
     •    Apply a policy loading or recalculate
                                                           Man and the Channel Islands
          your premium which will result in
                                                         • Cars with a capacity of more
          an additional premium due to us
                                                           than seven passengers including
     •    Recover from you the total amount                the driver
          of any claim already paid under the
                                                    5.   The car has a valid NCT certificate
          policy including any recovery costs,
                                                         and is compliant with road traffic
          arising out an incident where cover
                                                         legislation
          had been provided under this
          endorsement                               6.   You have the owners’ permission to
                                                         drive the car and you have not been
                                                         and will not be using it for more
                                                         than 30 days
     Endorsement No 4B – Driving Other
                                                    7.   Your car has not been sold or
     Cars – Third Party Cover
                                                         disposed of
     We will provide cover as outlined in           8.   Your car has not been declared a
     Section 1 whilst you are driving another            vehicle write-off
     private car, provided:                         9.   You are not insured to drive the car
                                                         under a separate policy of motor
     1.   The car does not belong to you,                insurance
          your spouse/partner or your               Cover under this endorsement is limited
          employer                                  to use within Ireland and the United
     2.   The car is not hired or leased to         Kingdom only.
          either of the parties described above

22
Cornmarket Car Insurance Scheme

Policy Endorsements (Continued)
If you fail to adhere to the provisions 1 to                policy including any recovery costs,
9 listed above, we may:                                     arising out an incident where cover
                                                            had been provided under this
•     Remove this benefit from                              endorsement
      your policy
•     Invoke the cancellation clause of
      this policy                                  Endorsement No 5 – Protected No
•     Not return any premium to you                Claim Bonus
•     Apply a policy loading or recalculate
      your premium which will result in            In any consecutive three-year renewal
      an additional premium due to us              period, where you make a Third Party or
                                                   Accidental Damage claim, your NCB will
•     Recover from you the total amount
      of any claim already paid under the          be affected as follows:-

                              Years NCB at next renewal if a claim is made in the
                                         current period of insurance:
     Years of
      NCB at
     your last                          If it is the only
                                                              If it is the second    If it is the third
     renewal         If no claim               claim
                                                                  claim in the         claim in the
       date            is made                 in the
                                                               last three years     last three years
                                       last three years

       Nil                1                    1                      Nil                  Nil

        1                 2                    2                      Nil                  Nil

        2                 3                    3                      Nil                  Nil

        3                 4                    4                      1                    Nil

        4                 5                    5                      2                    Nil

    5 or more             5                    5                      3                    Nil

                                                                                                          23
Cornmarket Car Insurance Scheme

     Policy Endorsements (Continued)
     Any claim payment for Windscreen                  purchase agreement but
     Breakage, Theft or Fire Damage will be            excluding any car which is the
     paid without impact on your No Claim              subject of a leasing agreement or
     Bonus entitlement.                                contract hire agreement
                                                    ii. the agreement of any interested
     In the event a claim(s) is made under              hire purchase company to the
     your policy, Allianz reserve the right to          extent of their legal entitlement.
     increase premiums or change your               iii. Has not travelled more than
     terms and conditions.                               24,000 kilometres.

     Although you can protect your No Claim
                                                 Endorsement No 6B – Motor Tax
     Bonus, your premium may still increase
     if a claim is made under your policy.
                                                 We will pay the amount of the un-
                                                 expired portion of the Motor Tax if you
                                                 are unable to recover a refund from the
     Endorsement No 6A – New Car                 Licensing Authority following a vehicle
     Replacement                                 write-off (which is insured under your
                                                 policy) of your car.
     We will replace your car with a new one
     of the same specification (subject to
     availability) if, within twelve months of   Endorsement No 6C – Personal
     its purchase as new, it is:                 Accident Benefits – Driver and
                                                 Occupants of the Car
     a. Accidentally damaged within the
        meaning of your policy cover to an       Where the driver or any other occupant
        extent greater than 60% of the           of the car suffers injury by accidental
        manufacturer’s last published list       external violent and visible means while
        price (inclusive of Value Added Tax)     traveling in your car, we will, at your
     b. Lost by theft and not recovered          request, pay to the injured person or
        within 14 days of the loss being         their legal personal representatives the
        reported to us subject to:               benefits specified provided such injury
        i. the car being owned by you or         shall, independently of any other cause
           being purchased under a hire          and within three months, result in:

24
Cornmarket Car Insurance Scheme

Policy Endorsements (Continued)

 Item No.                                                     Benefits

 1. Death                                                      €12,700
 2. Complete and permanent loss of sight of one or             €12,700
    both eyes
 3. Loss by severance of one or more limbs at or above         €12,700
    the wrist or ankle
 4. Permanent total disablement                                €12,700
 5. Temporary total disablement (payable for 50 weeks          €55 per week
    after excluding the first 14 days)
 6. Medical, surgical and hospital fees (payable for up        €127 per week
    to 10 weeks) and cost of medical appliances
    necessarily incurred

Permanent Total Disablement                   Endorsement No 6D – Medical, Surgical
                                              and Hospital Fees
Means permanent inability to perform or
attend to any business, profession or         Where the driver or any other occupant
occupation.                                   of the car suffers injury by accidental
                                              external violent and visible means while
                                              traveling in your car, we will, at your
Temporary Total Disablement                   request, pay to the injured person or
                                              their legal personal representatives
Means temporary inability to perform          medical, surgical and hospital fees up
any part of usual business or occupation.     to €127, payable for up to 10 weeks,
                                              provided such injury is independent
Where an injured person has no
                                              of any other cause and occurs within
remunerative occupation, business or          three months.
profession, has retired, is a student or is
unemployed, this benefit shall only be        Medical, surgical and hospital fees
paid for the period the person was            means in-patient care for a period of
detained in hospital and otherwise at the     more than seven consecutive days in an
discretion of the company having              institution which has facilities for
regard to the medical evidence                diagnosis, treatment and major surgery
produced.                                     and has accommodation for persons as
                                              in-patients. It does not include a long
                                              term nursing unit, a geriatric or
                                              pre-convalescent ward or an extended

                                                                                         25
Cornmarket Car Insurance Scheme

     Policy Endorsements (Continued)
     care facility for convalescence,              driver if the car is being used for hire
     rehabilitation or other similar function.     and reward purposes.

     Cover under 6C and 6D above applies
     provided that:                                Endorsement No 6E – Personal Effects
                                                   and Clothing
     1.   In respect of items 1 to 4 in the
          above table, the total amount            We will pay you (or at your request, the
          payable shall not exceed €12,700.        owner of the property) for loss of or
     2.   No benefit will be paid until the        damage to personal effects and clothing
          total amount has been ascertained        while in or on your car by fire or theft (or
          and agreed. However payment on           attempted theft) or by accidental means
          account may be made for                  provided that:
          temporary total disablement after a
          period of eight weeks has elapsed.       1.   Our total liability shall be limited to
     3.   No benefit will be paid to the driver         €200 in respect of any one
          of the car arising out of an accident         occurrence.
          where he/she:                            2.   Payment to any person other than
          a. was convicted, or a prosecution            you shall be paid directly to that
             is pending, under any road                 person who will observe, fulfill and
             traffic legislation relating to the        be subject to the terms, conditions,
             level, concentration or quantity           exceptions and general exceptions
             of alcohol or drugs in their body          of your policy in so far as they can
                                                        apply.
          b. following a post mortem
             examination is found to have a        3.   Your car is not being used for hire
             higher level, concentration or             and reward purposes at the time of
             quantity of alcohol or drugs in            the loss or damage.
             their body than is permitted by
             the road traffic legislation of the   We will not pay for:
             territory where the accident
             occurred                              1.   Loss of or damage to money,
          c. is not permitted to drive as               stamps, tickets, documents or
             defined in the current certificate         securities.
             of motor insurance.                   2.   Loss of or damage to goods or
     4.   Detailed accounts, receipts and               samples carried in connection with
          other adequate documentation                  any trade or business.
          must be given to us in respect of        3.   Loss of any property or audio
          any claim for reimbursement under             equipment unless at the time of
          6D above.                                     the loss such property was stored in
                                                        the locked boot or closed
     No cover is available under 6C and 6D              compartment.
     above to any occupant(s) other than the

26
Cornmarket Car Insurance Scheme

General Exceptions
Applicable to all Sections of the policy           b. The radioactive, toxic, explosive
                                                      or other hazardous properties of
This policy does not cover, except so far             any explosive nuclear assembly
as is necessary to meet the requirement               or of its nuclear component.
of the road traffic legislation:
                                              4.   Any injury, loss or damage caused
1.   Any injury, loss or damage                    by:
     occurring while your car is being:
                                                   a. Earthquake.
     a. Driven by any person or used for           b. Riot or civil commotion, or in
        any purpose not allowed by the                connection with any action
        certificate of motor insurance                taken in controlling, preventing,
        other than cover for loss or                  suppressing or in any way
        damage to your car and                        relating to riot and civil
        accessories or spare parts while              commotion.
        in or on the car arising from
        “Theft” as described in Section 2     5.   Loss of or accidental damage to
                                                   your car, and its accessories or
     b. Driven by you, unless you hold a
                                                   spare parts while in or on the car,
        licence to drive the car
                                                   occasioned by pressure waves
     c. Driven with your general                   caused by aircraft travelling at sonic
        consent by any person who does             or supersonic speeds, or items
        not hold a licence to drive the car        dropped from them.

Exceptions (b) and (c) do not apply if the    6.   Any accident, injury, loss, damage
person has previously held, and is not             or liability when any car covered
disqualified from, holding or obtaining            by your policy is in an area of an
such a licence.                                    aerodrome, airport, airfield or
                                                   military establishment that is
2.   Liability accepted under an                   used for:
     agreement, unless the liability
     would have existed even without               a. Take off or landing of aircraft or
     the agreement                                    movement of aircraft on the
                                                      ground.
3.   Injury, loss or damage arising from:
                                                   b. Aircraft parking, including the
                                                      associated services roads,
     a. Ionising, radiations, or
                                                      refuelling areas, ground
        contamination by radioactivity
                                                      equipment parking areas,
        from any irradiated nuclear fuel
                                                      hangers and maintenance areas.
        or from any nuclear waste from
        the combustion of nuclear fuel.

                                                                                            27
Cornmarket Car Insurance Scheme

     General Exceptions (Continued)
     7.   Notwithstanding any provision to        resulting from or in connection with any
          the contrary within this insurance,     action taken in controlling, preventing,
          or any endorsement thereto, it is       suppressing or in any way relating to (a)
          agreed that this insurance excludes     and/or (b) above.
          liability, loss, damage, cost or
          expense of whatsoever nature            If the company alleges that, by reason of
          directly or indirectly caused by,       this general exception, any liability, loss,
          resulting from or in connection with    damage, cost or expense is not covered
          any of the following, regardless of     by this policy the burden of proving the
          any other cause or event                contrary shall be upon the Insured.
          contributing concurrently or in any
          other sequence to the loss:             In the event that any portion of this
                                                  general exception is found to be invalid
          a. War, invasion, acts of foreign       or unenforceable, the remainder shall
             enemies, hostilities or warlike      remain in full force and effect.
             operations (whether war be
             declared or not), civil war,         8.   This policy excludes liability, loss,
             rebellion, revolution,                    damage, cost or expense of
             insurrection, civil commotion             whatsoever nature directly or
             assuming the proportions of or            indirectly caused by, resulting from
             amounting to an uprising,                 or in connection with:
             military or usurped power.                a. the loss of, alteration of or
          b. Any act of terrorism.                        damage to
                                                       or
                                                       b. a reduction in the functionality,
     Act of Terrorism                                     availability or operation of :
     Means an act, including but not limited
     to, the use of force or violence and / or         a computer system, hardware,
     the threat thereof, of any person or              program, software, data,
     group(s) of persons, whether acting               information repository, microchip,
     alone or on behalf of or in connection            integrated circuit or similar device
     with any organisation(s) or                       in computer or non-computer
     government(s), committed for political,           equipment that results from
     religious, ideological or other purposes          malicious or negligent transfer
     including the intention to influence any          (electronic or otherwise) of a
     government and / or to put the public,            computer program that contains
     or any section of the public, in fear.            any malicious or damaging code
                                                       including but not limited to
     This policy also excludes liability, loss,        computer virus, logic bomb or
     damage, cost or expense of whatsoever             trojan horse.
     nature directly or indirectly caused by,

28
Cornmarket Car Insurance Scheme

General Exceptions (Continued)
9.   Any injury, loss, damage or liability
     caused by pollution or
     contamination unless the pollution
     or contamination is caused by a
     sudden identifiable unintended and
     unexpected incident which occurs
     in its entirety at a specific time and
     place during the period of
     insurance. All pollution or
     contamination which arises out of
     one incident shall be deemed to
     have occurred at the time such
     incident takes place.

                                              29
Cornmarket Car Insurance Scheme

     Claims Procedure
     You must report to us immediately any                fatal inquiry, writ or summons
     accident, injury, loss or damage which               unanswered.
     may give rise to a claim under this policy.     5.   Send us, as soon as possible, any
                                                          writ or summons, letter or other
     All incidents must be reported to our                documents you may receive.
     Emergency Services phone number:
                                                     6.   The registration and insurance
                                                          details of your car should be
     Republic of Ireland: 01 613 3990
                                                          provided to any other party involved
                                                          and also An Garda Síochána/Police,
     Northern Ireland or United Kingdom:
                                                          if requested.
     028 90 891 310
                                                     7.   If any person is injured, the accident
     What to do in the event of an accident               must be reported to An Garda
     In the event of an accident you should               Síochána/Police , whether they
     obtain the following information:                    attend the scene of not.

     1.   The names, contact details and             If you do not do so, we reserve the right
          vehicle details of all parties involved.   not to pay a claim. We are entitled, at
                                                     any stage during any claim, to take over
     2.   The insurance details including the
                                                     and conduct the defence or settlement
          policy number of all parties
                                                     of the claim, and, at our discretion, to
          involved.
                                                     pursue the claim for our own benefit in
     3.   Details of any witnesses to the            the name of any person insured.
          incident or members of An Garda
          Síochána/Police that attended the          Important Note
          scene of the accident.                     If you are involved in an accident with an
                                                     uninsured driver or a visiting motorist
     You must also:                                  from outside the country, report the
                                                     accident to the Motor Insurers Bureau of
     1.   Not admit responsibility, sign any         Ireland, 5 Harbourmaster Place, IFSC,
          statement or negotiate the                 Dublin 1, D01 E7E8. Telephone number:
          settlement of any claim, without           +353 1 676 9944 email: info@mibi.ie.
          the written agreement of Allianz.          website: www.mibi.ie
     2.   Complete any form(s) we may
          send you.
     3.   Give us all information and
          assistance required.
     4.   Notify us immediately of any
          impending prosecution, inquest or

30
Cornmarket Car Insurance Scheme

Claims Payment
Payment(s) we will make under                  not cover any costs for storing your car
Sections 2 and 3                               for more than three days.

Sections 2 & 3; What does "pay” mean?          The repairer may require you to pay the
                                               excess before your car is released. If you
The word “pay” means that we may, at           are registered for Value Added Tax you
our option, make either a payment in           will be required to pay the Value Added
cash or via Electronic Fund Transfer           Tax amount to the repairer.
where applicable of the amount of loss
or damage, or may repair, reinstate or         Any storage incurred over three days
replace the car. If we know that your car      where you have decided not to use the
is the subject of a hire purchase or           Allianz Aligned Repairer is not covered
leasing agreement, any payment will be         under this policy.
made to the owner to the extent of their
legal entitlement.
                                               Rights of Recovery
In the event that your car is deemed to
be a vehicle write-off, we will not pay        If the law requires us to pay a claim
more than the market value of your car         which would not otherwise be covered
immediately prior to the loss or damage.       by your policy, we reserve the right to
                                               recover the amount from you or the
If we settle a claim as a vehicle write-off,   person on whose behalf we make the
we reserve the right to own the salvage.       payment.

Repairs, Collections and Delivery              Getting Your Car Repaired

You may authorise repairs to a                 If your car suffers damage which is
maximum of €650 provided an estimate           covered by your policy, we recommend
is sent to us immediately.                     that you take it to one of our Aligned
                                               Repairers, or that you arrange for its
If your car is immobile as a result of an      collection by one of them. Our Aligned
accident, fire or attempted theft we will      Repairers are authorised to take
pay the reasonable cost of removal to          immediate steps to arrange repairs.
the nearest repairer.
                                               Every effort will be made to supply you
We will also cover the reasonable cost of      with a courtesy car but this is not
storing or protecting your car. Where          guaranteed. The hire of a courtesy car is
your car is stored in any location other       up to a maximum of five days where
than an Allianz Aligned Repairer, we will      your car has been involved in an

                                                                                            31
Cornmarket Car Insurance Scheme

     Claims payment (Continued)
     accident or fire and 14 days if the car has
     been stolen and remains uncovered. The
     courtesy car is a Class A car and it not a
     like for like replacement.

     If you do not use an aligned repairer, you
     should arrange for an estimate of repair
     costs to be sent to us by your selected
     repairer. You may authorise repairs
     provided the estimate does not exceed
     €650.

32
Cornmarket Car Insurance Scheme

Allianz Claims Notification and
Emergency Service

Allianz Claims Notification and             •    If your car is stolen, we will supply
Emergency Service is available free of           you with a replacement car* (Class
charge to all policyholders while driving        A) for up to 14 days. If your car has
anywhere in Ireland in the event of fire,        not been recovered after this time,
theft or attempted theft.                        we will then consider your car lost
                                                 by theft
For policyholders with Comprehensive
cover the Emergency Service is also         All you have to do is call:
available in the event of an accident.
                                            Republic of Ireland: 01 613 3990
This service does not apply if your car     Northern Ireland: 028 90 8910 310
breaks down.
                                            *Replacement car – it is your
The service is available 24 hours a day,    responsibility to ensure you meet the
365 days a year.                            requirements of the hire company. The
                                            courtesy car is for your personal use only
What our Emergency Service covers:          and may not be operated by you for the
                                            carriage of passengers for Hire and
•    We will tow your car to an aligned     Reward.
     repairer for repairs
•    While you are waiting for your car     Terms and conditions apply.
     to be repaired, we will give you a
     free replacement car* (Class A) for
     up to five days
•    We will settle directly with our
     aligned repairer saving you from
     making any payment other than
     your policy excess

                                                                                         33
Cornmarket Car Insurance Scheme

     Consumer Information
     Your Insurer                                   How we charge

     The underwriter of your insurance is           The charge for our services is the
     Allianz p.l.c., having its registered office   premium (including, where applicable, a
     at Allianz House, Elmpark, Merrion Road,       government levy). This premium and
     Dublin 4. Companies Registration               any optional covers are separately set
     No. 143108. Vat no                             out in your schedule/renewal notice.
     4887986M. Our contact details are:
     telephone: +353 1 6133000,
     fax: +353 1 6134444, and                       Policy Alteration, Additional and
     email: info@allianz.ie                         Return Premiums

                                                    Where your policy is altered during any
     Regulatory Status                              period of insurance we will recalculate
                                                    your premium. This may result in an
     Allianz p.l.c. is regulated by the Central     additional premium due to us, or a
                                                    return premium due to you. A premium
     Bank of Ireland and is subject to the
                                                    transaction charge may be applied to all
     Central Bank of Ireland’s Consumer
                                                    such alterations, as detailed in your
     Protection Code and Minimum                    schedule. We will only charge or refund
     Competency Code which offer                    you provided the total amount, including
     protection to consumers. These Codes           the Premium Transaction Charge, is
     can be found on the Central Bank’s             greater than or equal to the amount
     website: www.centralbank.ie.                   detailed in your schedule. Where
                                                    applicable, a government levy will be
                                                    applied to your premium calculations.
     What we do
                                                    Alteration to terms and conditions
     Allianz p.l.c. is a non-life insurance
     undertaking which underwrites                  In the event of a claim we may advise
     personal, commercial, education,               you, at the time of your next renewal, of
     religious and social insurance products.       altered policy terms and conditions
     When dealing directly with personal            which increase your premium and/or
     customers we underwrite general                excess, and/or reduce cover.
     insurance products on a non-advised
     information only basis.

34
Cornmarket Car Insurance Scheme

Consumer Information (Continued)
Language & Customer                           (1) the starting date of cover, or
Communications
                                              (2) the date on which you receive
Your policy and all communications with           the full terms and conditions of
you or by you to us will be in English.
                                                  your policy.

                                              Withdrawal effectively means that no
Governing law
                                              policy was ever in place, and you may
                                              exercise this right by notice in writing to
You and we may choose the law
                                              us at the address given above, quoting
applicable to this contract. It is hereby
                                              your policy number. Should you exercise
agreed that this contract is governed by
                                              this right we will refund you any part of
Irish Law unless we agree with you
                                              your premium you have paid less an
otherwise in writing. The Irish Courts will
                                              administration charge as detailed in your
have jurisdiction to hear any dispute
                                              schedule. If the cover is motor
other than any dispute which must be
                                              insurance, the premium cannot be
referred to arbitration under the
                                              refunded until the Allianz certificate of
arbitration clause of this policy.
                                              motor insurance and Insurance Disc
                                              have been returned to Allianz. Please
                                              note that the right of withdrawal does
Default
                                              not apply if the insurance policy under
                                              which insurance cover is provided is for
Non-payment of your premium or part
                                              less than 1 month.
thereof (including where you are using
our Direct Debit option) or breach by
you of certain conditions of your policy
                                              Complaints
may lead to your policy being revoked or
cancelled, in accordance with the terms
                                              We aim to deliver the very highest
in that respect set out in your policy.
                                              standards of customer care. If you have
                                              any enquiry or complaint, please contact,
Right of Withdrawal                           with your policy/quote number and
                                              details: Head of Customer Focus,
You have the right to withdraw from this      Allianz plc, Allianz House, Elmpark,
policy, provided you have not made a          Merrion Road, Dublin 4,
vehicle write-off claim, within 14 days of    Telephone: +353 1 6133000,
the latest of:                                email: info@allianz.ie

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